Free Investor Tool
Use this free hard money loan calculator to estimate how much you can borrow on a fix and flip, what the loan will cost, and your likely profit. Enter the purchase price, rehab budget and after-repair value (ARV). The calculator applies Lend Private Money’s fix and flip limits (up to 90% of purchase plus 100% of rehab, capped at 75% of ARV) and shows the result instantly.
Calculator
Estimates for planning only. This is not a loan offer. Interest is calculated on the full loan amount for the whole hold, which is conservative. Actual rates, terms and fees depend on underwriting and approval. Origination fees and other fees may apply.
Results are estimates for planning only and aren’t a loan offer. Your actual terms depend on underwriting and approval. Origination fees and other fees may apply.
Your after-repair value drives the whole deal. Base it on 3–5 recently sold, renovated homes nearby with similar size, beds and baths. Learn how in what is ARV in real estate. If your ARV is optimistic, the loan cap and your profit will both be overstated.
Purchase $200,000 · rehab $50,000 · ARV $340,000 · 7.95% rate · 6 months. Loan = $230,000 (under the $255,000 ARV cap). Six months of interest is about $9,143. Add points, closing, holding and selling costs to see the estimated profit.
FAQs
With Lend Private Money, up to 90% of the purchase price plus 100% of rehab costs, as long as the total doesn’t exceed 75% of the after-repair value.
After-repair value is the estimated market value of a property once the renovation is finished, based on comparable recent sales.
No. It’s an estimate for planning. Your rate and terms depend on the property, your experience and underwriting approval.
Ready for real numbers? Our fix and flip loans start at 7.95%* with terms up to 18 months. Building new? See ground up construction loans. Keeping it as a rental? See DSCR loans. Then apply now.
*Rates and terms depend on the property, your experience and underwriting approval.
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